Florida refinance rates today
Today’s average refinance rates for Florida homeowners from Go Direct Lenders’ lending partners, plus what’s different about refinancing in Florida. Go Direct Lenders is licensed in Florida (Florida Mortgage Broker License #MBR2416).
Rates as of · updated each business day
| Loan | Rate | APR | Monthly principal & interest |
|---|---|---|---|
| Conventional 30-year fixed | 7.418% | 7.451% | $2,774.43 |
| FHA Streamline 30-year fixed | 6.845% | 7.588% | $2,665.55 |
| VA IRRRL 30-year fixed | 6.866% | 6.937% | $2,638.44 |
How these rates are set. Each rate is the average of what Go Direct Lenders’ wholesale lending partners offer that business day for one sample loan, with no discount points. Your own rate and APR depend on your credit, loan-to-value, property and the market on the day you lock. Payments are principal and interest only; taxes, insurance and any mortgage insurance make the actual payment higher.
Conventional 30-year fixed rate/term refinance: 7.418% rate / 7.451% APR, based on a $400,000 refinance at 80% loan-to-value, a 760 credit score, a primary single-family residence, a 30-day rate lock and 0 discount points. 360 monthly principal-and-interest payments of $2,774.43. Estimated prepaid finance charges of $1,300 are included in the APR.
FHA Streamline 30-year fixed refinance: 6.845% rate / 7.588% APR, based on a $400,000 refinance at 96.5% loan-to-value, a 720 credit score, a primary single-family residence, a 30-day rate lock and 0 discount points. Includes the 1.75% FHA upfront mortgage insurance premium financed into the loan ($407,000) and monthly mortgage insurance. 360 monthly principal-and-interest payments of $2,665.55. Estimated prepaid finance charges of $7,922 are included in the APR.
VA IRRRL (Interest Rate Reduction Refinance Loan) 30-year fixed: 6.866% rate / 6.937% APR, based on a $400,000 refinance at 100% loan-to-value, a 720 credit score, a primary single-family residence, a 30-day rate lock and 0 discount points. Includes the 0.5% VA IRRRL funding fee financed into the loan ($402,000). 360 monthly principal-and-interest payments of $2,638.44. Estimated prepaid finance charges of $2,880 are included in the APR.
Refinancing in Florida: what’s different
- Florida charges documentary stamp tax of 35 cents per $100 (0.35%) on mortgage notes. On a new $400,000 loan that is $1,400. [source]
- Florida also charges a one-time nonrecurring intangible tax of 0.2% on loans secured by Florida real property, or $800 on a $400,000 loan. [source]
- A renewal note signed by the original borrower that renews only the unpaid balance can be exempt from doc stamps (only new money is taxed). Whether your refinance qualifies depends on how it is structured, so ask your closing agent. [source]
- If your home is your Florida homestead and you are married, your spouse must join in the mortgage even if they aren’t on the loan. [source]
Rules change and every county runs things a little differently, so confirm the details for your loan with your closing agent. This isn’t legal or tax advice.
Florida conforming loan limits for 2026
A conforming loan can be bought by Fannie Mae or Freddie Mac, which usually means better pricing. For 2026 the baseline limit for a one-unit home is $832,750. Every Florida county except Monroe uses the 2026 baseline of $832,750 for a one-unit home. Monroe County (the Keys) is $990,150.
Source: FHFA 2026 conforming loan limits and the FHFA county list.
Licensed in Florida
Go Direct Lenders, LLC, NMLS #1028986, also doing business as Veterans Direct.
Florida Mortgage Broker License #MBR2416.
To file a complaint with the state: Florida Office of Financial Regulation (OFR).
Verify our licenses on NMLS Consumer Access.
Is refinancing worth it?
Compare your current rate with today’s, then run the numbers in our refinance calculator. If rates aren’t there yet, a free rate alert will tell you when they are.
Frequently asked questions
Are refinance rates different in Florida?
The rates on this page are the same sample-loan rates we show in every state we serve. Your actual rate in Florida depends on your loan amount, credit score, equity, property type and occupancy, and on the market the day you lock. State taxes and closing practices affect your closing costs, not usually your rate.
Is Go Direct Lenders licensed in Florida?
Yes. Go Direct Lenders, LLC (NMLS #1028986) holds a Florida Mortgage Broker License #MBR2416. You can verify every state license on NMLS Consumer Access.
What is the 2026 conforming loan limit in Florida?
The 2026 baseline conforming loan limit for a one-unit home is $832,750, and the high-cost ceiling is $1,249,125. Every Florida county except Monroe uses the 2026 baseline of $832,750 for a one-unit home. Monroe County (the Keys) is $990,150.
How often are these rates updated?
Every business day, after our rate check runs late in the morning Pacific time.
Go Direct Lenders is not affiliated with or acting on behalf of the U.S. Department of Veterans Affairs, the Department of Housing and Urban Development, the Federal Housing Administration or any other government agency.
Go Direct Lenders, LLC DBA Veterans Direct | NMLS ID 1028986 | Equal Housing Opportunity. Not affiliated with the Department of Veterans Affairs or any government agency. By refinancing an existing loan, the consumer’s finance charges may be higher over the life of the loan.